Personal Loans


Looking online for personal loans with bad credit? You’ve come to the right place! Cashfloat, a trusted direct lender is here to help! We offer instant decision loans with same day payout, if approved. You can apply now with Cashfloat and receive up to £1100!



Your Personal Loan Information Card
  • You can get a personal loan from £200 to £1100
  • Feel free to apply, even with a bad credit score
  • You can repay your personal loan with up to 4 instalments
How Much Can I Borrow?
  • 3 minutes to complete the online application form
  • 90 seconds instant lending decision
  • 1 hour from approval, the money should be in your bank account

* Average numbers

How Fast Can I have the Money?
  • We are an FCA authorised direct lender.
  • We welcome people with bad-credit
  • Unsecured loans, no guarantor needed
Why Cashfloat?
FAQs about Personal Loans

If you are looking for a small personal loan, you’ve come to the right place. In any case, before you click the apply button, stop and think: Am I getting the best personal loan available, or is there a cheaper option? Here, we at Cashfloat will give you all the information you need to find yourself the best personal loan ever!

Personal Loans for Bad Credit

Do you have bad credit and need a personal loan? Cashfloat is a direct lender in the UK offering personal loans for bad credit. Although we do carry out a thorough credit check, we still may lend to people even if they have a poor credit report. Don’t let your bad credit get you down. Apply online with direct lender Cashfloat for a bad credit personal loan.


How can I improve my chances of being approved for a personal loan with bad credit and no guarantor?


Can I get a personal loan without a credit check?

The best way to improve your chances of being approved for a loan is to begin is by getting to know your credit rating, as having a good credit score is often the best help to get your loan application approved. You can get your credit score from a credit reference agency. Paying back creditors on time and using a credit card responsibly will improve your credit score. For more information about improving your credit score, visit our blog on improving your credit rating.

All FCA authorised and regulated lenders must carry out a credit check on applicants when they apply for a personal loan. Credit checks are carried out to protect the customer from taking out a loan they can not afford. Since Cashfloat is regulated by the Financial Conduct Authority, we do not offer no credit check personal loans. At Cashfloat, our technology assesses your affordability to repay the monthly payments over your credit score. 







Best Personal Loans

Before applying for a personal loan, you have the job of finding the best personal loan lender that will work for you. Cashfloat provides personal loans over a short period of time for a very competitive APR. Whereas most small loan APR rates are well into the thousands, our APR is just 997 percent! Of course, if you can get 0 interest personal loans from friends or family or dole out from your savings, it will save you money. As always, investigate ALL your options to find yourself the best personal loan.


Who will offer me the best personal loan rates, a direct lender or broker?


Do best personal loans in the UK affect your credit score?

It is in your best interest that you get a personal loan with low interest rates. Dealing with a direct lender will generally be cheaper for you as it will not involve any broker fees. Another plus of dealing with a direct lender is that they will give you the money directly and if there are any issues you will deal with them. Cashfloat is a direct lender who charge no extra fees for the application.

When you apply for any personal loan, whether loan online or instore, it is marked on your credit file. This should not have a negative impact on your credit as long as you don’t apply for many loans in a short period of time. However, if you miss a payment or default on your loan, this will go straight onto your credit report and can make it harder to obtain UK personal loans in the future.







Unsecured Personal Loans

An unsecured personal loan is a loan that is not backed by any collateral. By taking an unsecured personal loan, the borrower promises to repay the loan without offering an asset such a car or by getting a guarantor. Cashfloat offer unsecured personal loans with an instant decision. Apply now, and we will do our best to fund you the same day.


Are unsecured personal loans with no guarantor more expensive than secured loans?


Are unsecured personal loans in the UK, the same as unsecured short term loans?

Usually, an unsecured personal loan with no guarantor will work out to be more expensive than a secured personal loan. This is because when a lender gives an unsecured loan they are relying totally on the customer to pay back, and the lender is more at risk. When a lender gives a secured loan, they are less at risk because if the customer defaults on their loan, the guarantor will pay back or the lender may be able to sell the customers car to get the money back.

Since a personal loan is simply a loan that you use for personal use, short term loans can fall under this category. A form of a personal loan that is becoming more and more popular is personal loans paid in monthly payments. This is because the personal loans repayments are far easier to manage over a few months than in a lump sum. Cashfloat’s dynamic personal loans can be repaid in a lump sum or in instalments – whatever is more comfortable for you.



Personal Loans Calculator

In order to help you figure out how much you will need to repay on a personal loan, companies offer a personal loans calculator on their website. This will show you exactly how much you will need to pay and when. If a company does not make the terms of the loan clear, you should try find a lender that openly states the loan details before you are approved.

Cashfloat’s personal loan calculator


When applying for a personal loan with Cashfloat, a personal loans repayment calculator is built into the process so that you know exactly how much you will pay and when and with which APR. Ultimately, when it comes to your money, we want you to be in full control.


Why should I trust Cashfloat when applying for a cheap personal loan?

Did you know? Cashfloat has been able to help over 25,000 people in the UK! We are a trusted direct lender authorised and regulated by the FCA. Our loan application process is designed to keep your information safe and we will not pass them on to any third party without your permission. Once you have completed the online application process, you will receive an instant decision with same day funding if approved. Still unsure? Check out our great reviews on reviews.co.uk!



Written by: Sarah Connelly
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